521 Alpine Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 521 Alpine Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,458 sqft · built 1966
Lot Size	0.283 acres (12,320 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,764 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-03-177-013`

Property Details

APN / Parcel Number

Primary APN	`8813-03-177-013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,458 sqft Living Area
1st Floor Area	1,458 sqft
Basement Area	1,458 sqft
Finished Basement	500 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,320 sqft (0.283 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	521 ALPINE DR
City	WATERLOO
State	IA
Zip	50702-5201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRESTVIEW SECOND ADDITION LOT 167
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	CRESTVIEW SECOND ADDITION
Legal Lot Number	167
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1015
Census Tract	1301

Owner

Source: Black Hawk County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	521 ALPINE DR, WATERLOO, IA 50702-5201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Sep 11, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	521 ALPINE DR, WATERLOO, IA 50702-5201
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800004491
Date	Sep 11, 2017
Instrument	2018-00004491

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 5, 2027
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 11, 2017
Property Address	521 ALPINE DR, WATERLOO, IA 50702-5201
Document Number	201800004490
Instrument Date	Aug 25, 2017
Instrument	2018-00004490
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	ALPINE, WATERLOO, IA 50702

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	521 ALPINE DR, WATERLOO, IA 50702-5201

Mortgage

Document Number	201800004492
Date	Sep 11, 2017
Instrument	2018-00004492

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 5, 2027

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,764.00 (+0.76%) Homeowner's exemption	$244,330 (+7.1%) Land $29,280 Building $215,050	$244,330 (+7.1%) Land $29,280 Building $215,050
2024	$4,728.00 (+26.69%)
2023		$228,140 (+27.62%) Land $29,280 Building $198,860	$228,140 (+27.62%) Land $29,280 Building $198,860
2022	$3,732.00 Homeowner's exemption	$178,770 Land $29,280 Building $149,490
2021			$178,770 Land $29,280 Building $149,490

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1979–1990)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 1990 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: GigFire, T-Mobile, Verizon.

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